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S & U

(LSE) SUS

Current Price£19.50
Market Cap£239.98MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1992)+11,839%
5 Year-27%
1 Year+14%
1 Month+0%
S & U last closing stock price
MetricPriceDate
Last closeGBX 1,955.002026-07-16
S & U stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.03%GBX 1,935.002026-07-09
1 month+0.26%GBX 1,950.002026-06-16
3 month-5.1%GBX 2,060.002026-04-17
Year to date-6.01%GBX 2,080.002025-12-31
1 year+14.33%GBX 1,710.002025-07-16
3 year-18.88%GBX 2,410.002023-07-17
5 year-26.5%GBX 2,660.002021-07-16
Since inception+11,839.08%GBX 0.171992-01-02

S & U Financials at a Glance

Market Cap

£239.98MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

£194.57M

Net Income (TTM)

£41.63M

EPS (TTM)

£1.95

P/E Ratio

10.12

Dividend

£1.15

Beta (Volatility)

0.00 (Low)

Price

£19.50

Volume

809

Open

£19.40

Previous Close

£19.50

Daily Range

£19.40 - £19.50

52-Week Range

£16.20 - £24.59

Estimated Earnings Date

Apr 21, 2026

SUS News

No articles available.

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About S & U

S&U plc is a prominent holding company specializing in motor finance services. Established in 1938 and headquartered in Birmingham, the company operates through segments including Motor Finance and Property Bridging Finance.

Products and Services
  • Motor finance solutions for vehicle purchases
  • Property bridging finance for real estate transactions
  • Comprehensive customer support and financial services
Growth Outlook
  • Revenue increased to £55.68 million in Q4 2026
  • Net income rose to £12.11 million, reflecting strong operational efficiency
  • Consistent growth in motor finance segment supports future expansion
Financial Highlights
  • TTM revenue of £205.5 million with a net profit margin of 22%
  • Dividend yield of 5.53%, indicating strong shareholder returns
  • Operating income margin of 43%, showcasing effective cost management
AI Generated • Jun 25, 2026

Industry

Consumer Finance

Employees

210

Headquarters

Solihull, WMD B90 4QT, GB

SUS Financials

Key Financial Metrics (TTM)

Gross Margin

73.08%

Operating Margin

42.97%

Net Income Margin

22.07%

Return on Equity

9.68%

Return on Capital

9.40%

Return on Assets

4.73%

Earnings Yield

9.88%

Dividend Yield

5.82%

Payout Ratio

53.76%

Stock Overview

Market Cap

£239.98MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

12.15M

Volume

809

Avg. Volume

7.46K

Financials (TTM)

Gross Profit

£148.78M

Operating Income

£90.99M

EBITDA

£91.96M

Operating Cash Flow

£20.65M

Capital Expenditure

-£1.61M

Free Cash Flow

£19.04M

Cash & ST Invst.

£0.00

Total Debt

£241.98M

S & U Performance Analysis

S & U annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20232023-01-31GBP 102,714,00016.9%
20242024-01-31GBP 115,437,00012.4%
20252025-01-31GBP 115,611,0000.2%
20262026-01-31GBP 107,431,000-7.1%
S & U sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-07-31-8.4%
Q42025-01-3173.2%
Q22025-08-05-6.3%
Q42026-01-317.6%
S & U annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20232023-01-31GBP 2.78-11.2%
20242024-01-31GBP 2.09-24.6%
20252025-01-31GBP 1.47-29.6%
20262026-01-31GBP 1.9532.4%
S & U sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-07-313.9%
Q42025-01-31-12.7%
Q22025-08-0537.7%
Q42026-01-315.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

£55.68M

+60.0%

Gross Profit

£41.49M

+86.1%

Gross Margin

74.52%

N/A

Market Cap

£239.98MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

£1.20M

N/A

Employees

200

N/A

Net Income

£12.11M

+30.9%

EBITDA

£24.23M

+16.8%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Total Cash

£0.00

-100.0%

Total Debt

£241.98M

+7.4%

Accounts Receivable

£498.31M

N/A

Inventory

£0.00

N/A

Long Term Debt

£241.59M

+7.8%

Short Term Debt

£386.00K

-63.3%

Return on Assets

4.73%

N/A

Return on Invested Capital

9.22%

N/A

Free Cash Flow

-£48.49M

-133.1%

Operating Cash Flow

-£48.12M

-132.0%

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Questions About SUS

What is the current price of S & U?

S & U is trading at £19.50 per share.

What is the 52-week range for S & U?

Over the past 52 weeks, S & U has traded between £16.20 and £24.59.

How much debt does S & U have?

As of the most recent reporting period, S & U reported total debt of £242.43M.

How much cash does S & U have on hand?

S & U reported £0.00 in cash and cash equivalents in its most recent financial results.

What is S & U’s dividend yield?

S & U currently has a dividend yield of 5.82%.

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